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Bankruptcy was discharged 11/16/17 and I was approved for Credit One SL $500 the day before I was discharged from chapter 7. A month later I was approved for unsecured DISCOVER IT cash rewards card with SL of $1.4k! There is hope. In April I plan on applying for the barclay rewards card.
After I filed bankruptcy my credit scores were in the mid-500s all across the board . I have been working diligently to make sure my credit profile was clean and reporting correctly. According to Credit Karma my Transunion was 649 and EQ-660 EX-643 before I apped for the discover card.
@ESimmons wrote:Bankruptcy was discharged 11/16/17 and I was approved for Credit One SL $500 the day before I was discharged from chapter 7. A month later I was approved for unsecured DISCOVER IT cash rewards card with SL of $1.4k! There is hope. In April I plan on applying for the barclay rewards card.
After I filed bankruptcy my credit scores were in the mid-500s all across the board . I have been working diligently to make sure my credit profile was clean and reporting correctly. According to Credit Karma my Transunion was 649 and EQ-660 EX-643 before I apped for the discover card.
Congrats! My BK7 discharged in 8/2017 and Discover will only approve me for a secured card. What were your FICO scores? CK reports FAKO scores.
@Anonymous wrote:
@ESimmons wrote:Bankruptcy was discharged 11/16/17 and I was approved for Credit One SL $500 the day before I was discharged from chapter 7. A month later I was approved for unsecured DISCOVER IT cash rewards card with SL of $1.4k! There is hope. In April I plan on applying for the barclay rewards card.
After I filed bankruptcy my credit scores were in the mid-500s all across the board . I have been working diligently to make sure my credit profile was clean and reporting correctly. According to Credit Karma my Transunion was 649 and EQ-660 EX-643 before I apped for the discover card.
Congrats! My BK7 discharged in 8/2017 and Discover will only approve me for a secured card. What were your FICO scores? CK reports FAKO scores.
I only have FICO for my experian and its 648. I actually did a prequal for Discover a day before I was to be discharged and I was denied any offers.. They sent me a letter in the mail stating that I had to many credit obligations as some of my accounts weren't reporting correctly after I filed chp 7 (the letter stated my equifax was 600 at the time). I cleaned up my credit and my EQ went up almost 80 pts. I did another prequal a few weeks later and I was pre approved for a secured card from discover but I didn't app for this offer right away....so I waited until I hit a month after discharge and I was preapproved for the discover it cash card or the chrome card....and was approved.
@ESimmons wrote:Bankruptcy was discharged 11/16/17 and I was approved for Credit One SL $500 the day before I was discharged from chapter 7. A month later I was approved for unsecured DISCOVER IT cash rewards card with SL of $1.4k! There is hope. In April I plan on applying for the barclay rewards card.
After I filed bankruptcy my credit scores were in the mid-500s all across the board . I have been working diligently to make sure my credit profile was clean and reporting correctly. According to Credit Karma my Transunion was 649 and EQ-660 EX-643 before I apped for the discover card.
When you apply for Barclays...make sure it's the Apple Rewards Card as their Cash Forward Card is really hard to get post BK. I tried several times with denials and tried for the Apple Rewards once and was approve instantly.
Congrats!!!! assume you didn’t burn Discover in your bankruptcy? That’s one card I’m going to miss a lot. I loved my IT card and the revolving 5% categories . No idea when or if they will let me back in but probably not for a while. I burned them for $1800..
@Kb109 wrote:Congrats!!!! assume you didn’t burn Discover in your bankruptcy? That’s one card I’m going to miss a lot. I loved my IT card and the revolving 5% categories . No idea when or if they will let me back in but probably not for a while. I burned them for $1800..
No I didn't burn them in bankruptcy. I just burned capital one for about $2K between my QS1 and Journey. I was surprised discover approved me for credit so soon but I think it's b/c my bankruptcy isn't reporting on my EQ profile. When do you think I should request for a CL increase for discover?